Bulk trucking
Insurance built for bulk haulers
Hopper or pneumatic, one truck or a fleet, bulk freight is our home turf. We come from BulkLoads, so we know your trailers, your lanes, and your customers before you finish the first call.
What is bulk trucking insurance?
Bulk trucking insurance is commercial truck insurance for operations hauling dry or liquid bulk commodities in hopper bottom, end dump, pneumatic, tanker, and similar trailers. The core of a policy is commercial auto liability, physical damage, and motor truck cargo, with limits and terms matched to bulk freight: commodity values that swing with the market, seasonal operating patterns, and equipment that unloads itself.
Reviewed September 2026
Equipment
Bulk equipment we cover
Fleets of all sizes, owner-operator to yard-full. If your setup isn't listed, call us anyway.
- Hopper Bottom
- End Dump
- Belly Dump
- Pneumatic
- Tanker
- Walking Floor
- Live Bottom
- Belt
- Auger
- B-Train
- Convertible
What our clients haul
- Grain & oilseeds
- Feed & feed ingredients
- Fertilizer & ag chemicals
- Aggregates & sand
- Food-grade & liquid bulk
- Hazardous materials
Why bulk haulers pick us
We come from BulkLoads
Our parent company runs the bulk freight load board thousands of haulers use every day. We don't need the industry explained to us. It's the family business.
Markets that actually write bulk
We shop your account across 50+ transportation insurance markets and put it in front of the carriers who understand hopper and pneumatic work, not a generic trucking desk.
Coverage that matches the work
Auto liability, physical damage, and motor truck cargo set up for what you actually haul, so you're not paying for coverage you don't need, or missing coverage you do.
Coverages
What a complete policy looks like.
Every account is shopped across 50+ transportation insurance markets and built from the coverages below.
Auto Liability
If your business includes employees or customers driving a vehicle, you likely need commercial auto liability coverage. Let us help protect your business.
Physical Damage Insurance
Weather, animals, other drivers, all things that can damage your vehicle. Let us help cover your costs with physical damage insurance.
Motor Truck Cargo
Protection for your business against losses due to cargo destruction, theft, and more.
Non-Trucking Liability Insurance
Do you drive your truck for non-work purposes? As an owner-operator, protect your livelihood when you're driving for non-business purposes.
General Liability Insurance
Protection against liability claims for your business. Coverage options include product liability, cyber liability, and errors and omissions.
Cyber Liability Insurance
Data breaches. While we hope they never happen to your business, it is a potential risk. Help protect your company with cyber liability insurance.
Questions
Asked and answered.
What coverage does a bulk trucking operation need?
The core is commercial auto liability (typically $1 million), physical damage on the tractor and trailer, and motor truck cargo sized to the commodities you haul. Depending on the operation, general liability, non-trucking liability, and trailer interchange round it out. We quote the account as one program so nothing overlaps or falls through the cracks.
How much does bulk trucking insurance cost per truck?
For an owner-operator with their own authority, a full package typically runs $8,000 to $14,000 per year per truck; leased-on owner-operators usually see $2,000 to $5,000 for physical damage, cargo, and non-trucking liability. Those are typical ranges, not a quote or a guarantee: new authorities run higher, seasoned clean records run lower, and the market moves year to year. A free quote is the only number you can actually use.
Does the trailer type change the price?
Yes. A pneumatic with an expensive blower, an end dump with rollover exposure, and a hopper running harvest surges all read differently to an underwriter. That's why we place each account with markets that write that specific class instead of a generic trucking desk.
Can you write a brand-new authority?
Yes. Expect the first year or two to price higher than an established operation; that's true everywhere in the market. We shop new ventures across the markets that actually want them and set the account up to earn cheaper renewals as the clean history builds.
4.9 stars on Google from 64 reviews.Leave us a review
“Briar is my agent, a young man that works extremely hard, doesn't give up, and keeps you informed of every step in the process. Hands down the best insurance agent I've ever dealt with.”
“Fred at Bulk Insurance Group is very knowledgeable and professional. I am new to liquid bulk freight and the team made it very easy to get started, very patient and willing to explain the differences between bulk insurance and other insurances. I have recommended them to several of my friends in the industry.”
Never question your coverage
Tell us what you haul and we'll shop the markets that actually know bulk freight. Quotes are free, and there's no obligation.